Grease a microwave-safe 10 ounce mug or ramekin with nonstick cooking spray. Whisk together the egg, sugar, peanut butter, milk, and vanilla extract until smooth.
Stir in the almond flour, cocoa powder, and baking powder, making sure everything is incorporated throughout. If using, stir in the chocolate chips or reserve half to sprinkle on top halfway through cooking.
Place in the microwave and cook for 1 minute, 15-30 seconds. If adding chocolate chips, sprinkle the remaining halfway through cooking.
To test if it is done, gently insert an offset spatula, knife, or fork along the side and lift up the cake a little. The bottom should be cooked through, slightly moist, but not overly runny or liquidy. Let rest for 1 minute before enjoying out of the mug or invert onto a plate.
